₹10,000 Monthly SIP in JM Overnight Fund (Regular) - Weekly IDCW for 5 Years
If you had started a ₹10,000/month SIP on 18 Aug 2021 and never stopped — through every crash and rally — here is exactly what happened, using JM Overnight Fund (Regular) - Weekly IDCW's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹6,09,709
18 Aug 2026
Absolute gain
₹-291
+0%
XIRR (annualised)
-0.02%
money-weighted
The journey, month by month
Worst fall on the way
-0.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,16,044
Modelled at historical FD rates. The fund trailed FD by ₹1,06,335.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹1,30,000 | ₹1,29,999 | +0% |
| Year 2 (18 Aug 2023) | ₹2,50,000 | ₹2,50,041 | +0% |
| Year 3 (18 Aug 2024) | ₹3,70,000 | ₹3,70,135 | +0% |
| Year 4 (18 Aug 2025) | ₹4,90,000 | ₹4,90,179 | +0% |
| Year 5 (18 Aug 2026) | ₹5,90,000 | ₹5,89,712 | +0% |
Best year of the journey: Year 4 (+0% market move) · Toughest year: Year 5 (-0.1%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
Same SIP in other Overnight funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using JM Overnight Fund (Regular) - Weekly IDCW's published NAV (source: AMFI) between 18 Aug 2021 and 18 Aug 2026; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.